I find the moment I’m kinda injured, or overencumbered, all those tracking animals suddenly get really interested in me. So if you have to go on scavenging runs, don’t overstuff your backpack in an attempt to make the trip worth it. Make two trips. Always. Smaller successes is better than one big death.
Also worth note: yeah, the second combat seems likely WOW DROP ENCUMBERING GEAR LIKE BACKPACKS.
I haven’t had this die-in-my-sleep happen to me personally, as my home is inside a waste treatment facility so I sleep with no windows, and at least two doors between me and the outside at all times, PLUS a basement. I assume the lack of windows is the biggest aid after the basement. So my advice would be try finding someplace with a basement.
I have to wonder if (W)earing a blanket when going to bed makes one likewise visibly encumbered to animals that like easy pickings.